JP2017187851A - Automatic transaction device and attention-drawing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device which can prevent a user who transfers money at a shop or the like that the user does not usually use from becoming a victim of fraud and provide an attention-drawing method in the automatic transaction device.SOLUTION: An automatic transaction device comprises: a transaction history acquisition unit for acquiring transaction history information, in which transaction shop information identifying a shop where transaction processing has been done in the past is associated with the number of times of transactions of transaction processing, from a medium used for transaction processing; a determination unit for determining whether the number of times of transactions, which is associated with transaction shop information of the same shop with current shop information identifying a shop where the automatic transaction device is installed, is less than a predetermined number of times or not on the basis of the transaction history information acquired by the transaction history acquisition unit; and a message output unit for outputting a message for drawing attention if the determination unit determines that the number of times of transactions is less than the predetermined number of times.SELECTED DRAWING: Figure 3

Description

  The present invention is an automatic transaction apparatus such as an automatic teller machine (ATM) that is installed in a store such as a convenience store or a financial institution and automatically performs transactions with a user, and a method for alerting an automatic transaction apparatus In particular, the present invention relates to an automatic transaction apparatus that prevents unauthorized use of a transaction account, and an alerting method in the automatic transaction apparatus.

  Conventionally, an automatic transaction apparatus executes various transactions such as a deposit transaction and a withdrawal transaction requested by the user in response to an operation by the user.

  In recent years, various scams using automatic transaction apparatuses have increased. For example, there is a so-called ole fraud that uses a telephone to transfer cash to a deposit account or the like in the name of a traffic accident fee, etc., pretending to be a relative, police officer, lawyer or the like. In addition, the tax office and the ward office, etc. will be named "Tax and medical expenses will be returned." "Today is the deadline for the procedure." There is a refund fraud, etc., which is tricked by going to a place, pretending to give a refund procedure on a mobile phone, and actually making a procedure to transfer money to the account of the perpetrator.

  In order not to encounter such a fraud, a technique for outputting a transfer fraud alert message or the like has been disclosed (for example, see Patent Document 1).

JP 2007-272409 A

  However, victims who are contacted may receive cash by transferring cash through ATMs while being guided. At that time, in order to make a transfer transaction at a store designated by the perpetrator, the victim may make a transfer at a store not normally used. In this way, even if the victim is guided to an ATM of a store that is not normally used, the ATM operation is standard, and the transfer operation is performed without noticing the scam, and the victim is scammed. There was a problem that there was.

  The present invention has been made in view of the above circumstances, and is an automatic transaction apparatus capable of preventing fraud damage in a transfer at a store or the like that is not normally used, and a precaution in the automatic transaction apparatus The purpose is to provide an arousal method.

The present invention employs the following configuration in order to solve the above problems.
That is, according to one aspect of the present invention, the automatic transaction apparatus of the present invention provides transaction history information in which transaction store information for identifying a store that has executed transaction processing in the past and the number of transactions in the transaction processing are associated with each other. Current store information for identifying a store in which the automatic transaction apparatus is installed based on the transaction history acquisition unit acquired from the medium used in the transaction process and the transaction history information acquired by the transaction history acquisition unit A determination unit that determines whether or not the number of transactions associated with the store information that is the same store is less than a predetermined number, and the determination unit determines that the number of transactions is less than the predetermined number And a message output unit for outputting a message for calling attention.

  In the automatic transaction apparatus according to the present invention, it is preferable that the message output unit outputs a message having different contents depending on a level recorded in advance on the medium.

  In the automatic transaction apparatus of the present invention, it is desirable that the medium is a cash card issued by a financial institution, and the current store information is other than the store that issued the cash card.

  Moreover, according to one aspect of the present invention, the alerting method of the present invention is an alerting method executed in an automatic transaction apparatus, wherein the store information for identifying a store that has performed transaction processing in the past and the transaction Transaction history information associated with the number of transaction transactions is acquired from the medium used in the transaction processing, and the store where the automatic transaction apparatus is installed is identified based on the acquired transaction history information It is determined whether the number of transactions associated with the transaction store information that is the same store as the current store information is less than a predetermined number of times, and if it is determined that the number of transactions is less than the predetermined number of times It outputs the message which performs.

  According to the present invention, there is an effect that it is possible to prevent fraud damage in a transfer at an unfamiliar store or the like.

It is a figure which shows the external appearance of ATM which is an example of the automatic transaction apparatus in embodiment. It is a figure which shows an example of the hardware constitutions of ATM in embodiment. It is a functional block diagram of ATM in an embodiment. It is a flowchart which shows the flow of the automatic transaction process of embodiment. It is a figure which shows the example of a transaction screen (screen 1). It is a figure which shows the example of a transaction screen (screen 2). It is a figure which shows the data structural example of account information. It is a figure which shows the data structural example of transaction history information. It is a figure which shows the data structural example of alert level information. It is a figure which shows the example of a transaction screen (screen 3). It is a figure which shows the example of a transaction screen (screen 4). It is a figure which shows the example of a transaction screen (screen 5). It is a figure which shows the example of a transaction screen (screen 6). It is a figure which shows the example of a transaction screen (screen 7). It is a figure which shows the example of a transaction screen (screen 8). It is a figure which shows the example of a transaction screen (screen 9). It is a figure which shows the example of a transaction screen (screen 10). It is a figure which shows the example of printing of a receipt. It is a figure which shows the example of a transaction screen (screen 11).

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram illustrating an appearance of an ATM that is an example of an automatic transaction apparatus according to an embodiment.

  In FIG. 1, ATM10 which is a kind of automatic transaction apparatus is provided with the card entrance / exit 11, the bankbook entrance / exit 12, the banknote entrance / exit 13, the coin entrance / exit 14, the user operation part 15, and the speaker 16. In FIG.

  The card entry / exit 11 is used for inserting various cards (medium) such as a cash card and a credit card, returning the inserted card, and discharging the issued receipt.

  The bankbook entry / exit 12 is used to insert a bankbook or return an inserted bankbook. The banknote inlet / outlet 13 is used for inputting banknotes to be deposited and discharging banknotes to be withdrawn. The coin inlet / outlet 14 is used for inputting coins to be deposited and discharging coins to be dispensed.

  The user operation unit 15 is, for example, a display provided with a touch panel, and is used when performing various data input including a password input and various instructions. The speaker 16 is used for outputting, for example, guidance necessary for performing various transactions as voice to the user.

  Note that the above-described external configuration of the ATM 10 is an example, and for example, a vein authentication unit that performs biometric authentication by reading the veins of the palm may be provided.

FIG. 2 is a diagram illustrating an example of an ATM hardware configuration according to the embodiment.
2, the ATM 10 includes an ATM control unit 20, an internal memory 21, a storage unit 22, a card processing unit 23, a passbook processing unit 24, a banknote processing unit 25, a coin processing unit 26, a display unit 27, an audio output unit 28, and a communication. A unit 29 is provided.

  The ATM control unit 20 controls the entire ATM 10 in an integrated manner, reads a program for performing various processes of the ATM 10 stored in the storage unit 22 and the like, and temporarily loads the read program into the internal memory 21. And performs various processes according to the program, for example, a CPU (Central Processing Unit). The ATM control unit 20 performs control for realizing a transaction instructed by the user operating the display unit 27. Specifically, in the ATM control unit 20, the user selects an arbitrary transaction from the transaction menu displayed on the user operation unit 15 of the display unit 27, and a card or passbook is inserted and a predetermined transaction operation is performed. Then, via the communication unit 29, control is performed to realize a transaction with the host computer 40 that manages various information such as user account information, personal identification number, and deposit amount.

  For example, when a withdrawal transaction or a deposit transaction is selected, the ATM 10 transmits a transaction request to the host computer 40 on the network 30 via the communication unit 29. Based on the transaction request from the ATM 10, the host computer 40 identifies a transaction account, performs account authentication with a password entered by the user, determines whether the transaction is possible, and deposits the user based on the determination that the transaction is possible The balance is updated, the determination result is transmitted to the ATM 10, and the transaction processing by the ATM 10 based on the determination of whether or not the transaction is possible is performed.

  The internal memory 21 temporarily stores a part of an OS (Operating System) program and application programs to be executed by the ATM control unit 20. The internal memory 21 stores various data necessary for processing by the ATM 10. The internal memory 21 is, for example, a RAM (Random Access Memory).

  As described above, the storage unit 22 stores application programs for performing various processing of the ATM 10, data necessary for processing of the ATM 10, and the like, for example, an HDD (Hard Disk Drive).

  The card processing unit 23 has a card data reading unit and a receipt printing unit (not shown) in addition to the card slot 11 shown in FIG. The card processing unit 23 accepts a card inserted by the user from the card slot 11, reads data such as account information from the magnetic stripe part or IC chip part of the card, and receives a receipt on which the contents of transaction processing are printed. At the same time, it is returned from the card slot 11.

  The passbook processing unit 24 has a magnetic data reading unit and an optical data reading unit (not shown) in addition to the passbook entrance / exit 12 shown in FIG. The passbook processing unit 24 accepts the passbook inserted by the user from the passbook entry / exit 12 and transports it to a predetermined position to book the contents of transaction processing or return the passbook that has been booked from the passbook entry / exit 12. .

  The banknote processing unit 25 has the banknote entrance / exit 13 shown in FIG. 1, accepts banknotes inserted from the banknote entrance / exit 13, counts banknotes, or determines a predetermined number according to withdrawal transactions selected by the user. A banknote is discharged from the banknote inlet / outlet 13. Moreover, the coin processing unit 26 has the coin inlet / outlet 14 shown in FIG. 1, accepts coins inserted from the coin inlet / outlet 14, counts the coins, or is predetermined according to the withdrawal transaction selected by the user. A number of coins are discharged from the coin inlet / outlet 14.

  The display unit 27 includes the user operation unit 15 illustrated in FIG. 1, and displays a screen, a message, and the like related to a transaction on the user operation unit 15 and receives an operation input from the user.

  The audio output unit 28 has the speaker 16 shown in FIG. 1 and outputs, as audio, guidance necessary for realizing various transactions selected by the user.

  The communication unit 29 is used when communication necessary for providing the transaction service selected by the user is performed with the host computer 40 on the network 30, and is a communication interface, for example.

FIG. 3 is a functional block diagram of ATM in the embodiment.
In FIG. 3, ATM10 is an automatic transaction apparatus which performs transaction using a card. The ATM 10 includes a transaction history acquisition unit 31, a determination unit 32, and a message output unit 33.

  The transaction history acquisition unit 31 displays transaction history information in which transaction store information for identifying a store that has performed transaction processing using a card in the past and the number of transactions of the transaction processing are associated with each other, such as a magnetic stripe portion or IC of the card. Obtained from the chip part. Here, the card is a cash card issued by a financial institution.

  Based on the transaction history information acquired by the transaction history acquisition unit 31, the determination unit 32 has a predetermined number of transactions associated with the transaction store information that is the same store as the current store information that identifies the store where the ATM 10 is installed. Judge whether the number is less than the number of times. Here, the current store information is a store other than the store that issued the cash card.

  When the determination unit 32 determines that the number of transactions is less than the predetermined number, the message output unit 33 outputs a message that alerts the risk of fraud damage. For example, the message output unit 33 outputs messages having different contents depending on the level recorded in advance on the card.

Next, the alerting process executed by the ATM 10 will be described.
FIG. 4 is a flowchart showing the flow of the alerting process according to the embodiment. FIGS. 5, 6, 10 to 17, and 19 are examples of transaction screens (screens 1 to 11), and FIG. FIG. 8 is a diagram showing a data configuration example of account history information, FIG. 8 is a diagram showing a data configuration example of transaction history information, FIG. 9 is a diagram showing a data configuration example of alert level information, and FIG. These are figures which show the example of printing of a receipt. The attention calling process described below is executed by the ATM control unit 20.

  First, in step S401 of FIG. 4, the ATM control unit 20 displays a transaction type selection screen (screen 1) as illustrated in FIG. 5 on the user operation unit 15 (display), and prompts selection of a transaction type.

  In step S402, the ATM control unit 20 determines whether any transaction key on the touch panel included in the user operation unit 15 has been pressed. The ATM control unit 20 loops step S402 (step S402: NO) until any transaction key is pressed.

  If it is determined that any transaction key has been pressed (step S402: YES), the ATM control unit 20 determines whether or not the selected transaction type is a book transaction in step S403.

  If it is determined that the transaction type is a book transaction (step S403: YES), the ATM control unit 20 executes a book process that is a transaction process that does not use a card in step S404, and ends the alert process of the embodiment. To do.

  On the other hand, if it is determined that the key pressed in step S403 is other than the book transaction key (step S403: NO), the ATM control unit 20 in step S405, the card insertion screen (screen 2) as illustrated in FIG. Is displayed on the user operation unit 15 (display) to prompt insertion of a card such as a cash card.

  Next, in step S406, the ATM control unit 20 determines whether or not a card has been inserted. For example, the ATM control unit 20 determines whether or not a card has been inserted by a sensor of the card processing unit 23 provided at the card slot 11. The ATM control unit 20 loops step S406 until the card is inserted (step S406: NO).

  If it is determined that a card has been inserted (step S406: YES), the ATM control unit 20 conveys the card inserted into the card slot 11 into the inside by the card processing unit 23 in step S407 to The account information, transaction history information and alert level information recorded in the IC chip part are read. As illustrated in FIG. 7, the account information includes a “bank number” for identifying a bank, a “store number” for identifying a store such as a bank head office, a branch, a branch office, and an affiliated convenience store. , “Course” indicating the type of account such as a periodic account, and “Account number” for identifying the opened account. As illustrated in FIG. 8, the transaction history information includes a “store number” for identifying a store that has executed transaction processing using a card in the past, and “number of transactions” that is the number of times the transaction processing has been executed. Including. As illustrated in FIG. 9, the alert level information can indicate whether or not to output a message that warns of the risk of fraud, and if such a message is output, the execution of the transaction process can be continued. Including level classification such as whether or not.

  In step S408, the ATM control unit 20 determines whether the store number of the store set in the internal memory 21 of the ATM 10 exists in the transaction history information read in step S407.

  If it is determined that it does not exist (step S408: NO), the ATM control unit 20 generates a record of the store number of the store where the ATM 10 is installed in the transaction history information in step S409.

  After the generation in step S409 or when it is determined that the store number of the store where the ATM 10 is installed is present in the read transaction history information (step S408: YES), the ATM control unit 20 in step S410, The “transaction count” corresponding to the store number of the store where the ATM 10 is installed is incremented (added by 1), and the transaction history information is updated.

  In step S411, the ATM control unit 20 determines whether or not the key pressed in step S403 is a transfer key.

  If it is determined that the key is not a transfer key (step S411: NO), for example, if it is determined that the payment key has been pressed, the ATM control unit 20 in step S412, the password input screen (screen) illustrated in FIG. 3) is displayed on the user operation unit 15 (display) to prompt the input of a personal identification number.

  In step S413, the ATM control unit 20 displays an amount input screen (screen 4) as illustrated in FIG. 11 on the user operation unit 15 (display), and prompts the user to input a payment amount.

  In step S414, the ATM control unit 20 displays a host communication in-progress screen (screen 5) as illustrated in FIG. 12 on the user operation unit 15 (display) to indicate to the user that processing is in progress, and the host computer 40 And communication processing. For example, the ATM control unit 20 transmits the created payment transaction message to the host computer 40 via the communication unit 29.

In step S415, the ATM control unit 20 receives a response message from the host computer 50 for the transmitted payment transaction message, and performs a cash counting process. In particular,
The ATM control unit 20 takes out the cash to be paid by the banknote processing unit 25 or the coin processing unit 26 from the internal banknote stacker or coin stacker, counts the taken out cash, and conveys it to the banknote inlet / outlet 13 or the coin inlet / outlet 14. To do.

  In step S416, the ATM control unit 20 displays a medium return 1 screen (screen 6) as illustrated in FIG. 13 on the user operation unit 15 (display), and notifies the user that the card and cash will be returned. To do. And while releasing the shutter of the banknote inlet / outlet 13 and the coin inlet / outlet 14 to discharge cash, the card is discharged from the card inlet / outlet 11.

  In step S417, the ATM control unit 20 displays an end screen (screen 7) illustrated in FIG. 14 on the user operation unit 15 (display) for a predetermined time in step S417. Ends the alerting process.

  On the other hand, when it is determined that the key pressed in step S403 is a transfer key (step S411: YES), the ATM control unit 20 in step S418, based on the transaction history information read in step S407, It is determined whether the number of transactions in is less than a predetermined number. For example, it is determined whether the number of transactions at the store with the store number “001” is less than “3 times” set as the predetermined number of times. In the example shown in FIG. 8, since the number of transactions at the store with the store number “001” is “3”, the ATM control unit 20 determines that the number of transactions is not less than the predetermined number (step S418: NO).

  If it is determined that the number of transactions is not less than the predetermined number (step S418: NO), the ATM control unit 20 executes a transfer transaction process in step S419 and ends the alerting process of the embodiment.

  On the other hand, when it is determined that the number of transactions is less than the predetermined number of times (step S418: YES), the ATM control unit 20 in step S420, the “attention level” of the alert level information read in step S407 is “0”. Is determined.

  If it is determined that the alert level is 0 (step S420: YES), for example, in the example shown in FIG. 9, since the content is “not display alert message. Transaction continues”, step S419. Then, the transfer transaction process is executed, and the alert process of the embodiment is terminated.

  If it is determined that the alert level is not 0 (step S420: NO), the ATM control unit 20 determines in step S421 that the “alert level” of the alert level information read in step S407 is “1”. Judge whether or not.

  When it is determined that the alert level is 1 (step S421: YES), for example, in the example shown in FIG. 9, the content is “display alert message.“ Cancel ”and“ continue ”are selected by the customer. Possible. Therefore, in step S422, the ATM control unit 20 displays a transfer fraud alert 1 screen (screen 8) as illustrated in FIG. 15 on the user operation unit 15 (display), a “Cancel” key, and “Continue”. ”Key is displayed to be selectable.

  In step S423, the ATM control unit 20 determines whether or not the “Continue” key on the transfer fraud alert 1 screen (screen 8) displayed on the user operation unit 15 (display) has been pressed.

  When the customer selects the transaction “continue” and presses the “continue” key (step S423: YES), the process proceeds to step S419, where the transfer transaction process is executed, and the alerting process of the embodiment is terminated.

  On the other hand, when the customer selects the transaction “CANCEL” and presses the “CANCEL” key (step S423: NO), the ATM control unit 20 displays the medium return 2 screen (screen shown in FIG. 16) in step S424. 9) is displayed on the user operation unit 15 (display). In step S425, the ATM control unit 20 performs medium return processing. For example, the ATM control unit 20 discharges the card from the card slot 11.

  In step S426, the ATM control unit 20 determines whether the card (medium) has been removed.

  If it is determined that the card (medium) has not been removed (step S426: NO), step S426 is looped (step S426: NO).

  On the other hand, if it is determined that the card (medium) has been removed (step S426: YES), the alerting process of the embodiment is terminated.

  When it is determined in step S421 that the alert level is not 1 (step S421: NO), that is, when it is determined that the alert level is 2, for example, in the example shown in FIG. Display a reminder message, “cancel” the transaction, issue a “receipt” and direct it to the counter. Therefore, in step S427, the ATM control unit 20 causes the user operation unit 15 (display) to display a transfer fraud alerting two screen (screen 10) as exemplified in FIG.

  In step S428, the ATM control unit 20 determines whether or not the “confirm” key on the transfer fraud alert 2 screen (screen 10) displayed on the user operation unit 15 (display) has been pressed.

  If it is determined that the “confirm” key has not been pressed (step S428: NO), step S428 is looped (step S428: NO).

  On the other hand, if it is determined that the “confirm” key has been pressed (step S428: YES), the ATM control unit 20 prints a receipt as illustrated in FIG. 18 in step S429.

  In step S430, the ATM control unit 20 displays a medium return 3 screen (screen 11) as exemplified in FIG. 19 on the user operation unit 15 (display). In step S431, the ATM control unit 20 performs medium return processing and receipt return (discharge) processing. For example, the ATM control unit 20 discharges the card and the receipt from the card entrance / exit 11, and proceeds to the above-described step S426.

  As described above, according to the alert processing executed by the ATM 10, based on the transaction history information when the ATM 10 is used, it is not usually used when using the ATM 10 having a store number with a small number of transactions. Judged as the transaction processing at the store. And the alert message which shows the possibility of becoming a victim of fraud is displayed on the user operation part 15 (display) of ATM10. Thereby, operation of ATM10 can be interrupted and the damage of a transfer fraud can be prevented.

  The embodiments of the present invention have been described above with reference to the drawings. However, the above-described embodiments of the present invention may be hardware, a DSP (Digital Signal Processor) board, or a CPU as a function of an automatic transaction apparatus. It can be realized by firmware or software on the board.

  Further, the automatic transaction apparatus to which the present invention is applied is not limited to the above-described embodiment as long as the function is executed, and even a single apparatus or a system composed of a plurality of apparatuses Needless to say, the integrated device may be a system in which processing is performed via a network such as a LAN or a WAN.

  It can also be realized by a system comprising a CPU, ROM or RAM memory connected to a bus, an input device, an output device, an external recording device, a medium drive device, and a network connection device. That is, a ROM or RAM memory, an external recording device, and a portable recording medium that record a software program for realizing the system of the above-described embodiment is supplied to an automatic transaction apparatus, and the computer of the automatic transaction apparatus executes the program. Needless to say, this can also be achieved by reading and executing.

  In this case, the program itself read from the portable recording medium or the like realizes the novel function of the present invention, and the portable recording medium or the like on which the program is recorded constitutes the present invention.

  Examples of portable recording media for supplying the program include flexible disks, hard disks, optical disks, magneto-optical disks, CD-ROMs, CD-Rs, DVD-ROMs, DVD-RAMs, magnetic tapes, and nonvolatile memory cards. Various recording media recorded via a network connection device (in other words, a communication line) such as a ROM card, electronic mail or personal computer communication can be used.

  The computer (information processing apparatus) executes the program read out on the memory, thereby realizing the functions of the above-described embodiment, and an OS running on the computer based on the instructions of the program. Performs part or all of the actual processing, and the functions of the above-described embodiments are also realized by the processing.

  Further, a program read from a portable recording medium or a program (data) provided by a program (data) provider is stored in a memory provided on a function expansion board inserted into the computer or a function expansion unit connected to the computer. After the writing, the CPU of the function expansion board or function expansion unit performs part or all of the actual processing based on the instructions of the program, and the functions of the above-described embodiment are realized by the processing. obtain.

  That is, the present invention is not limited to the embodiment described above, and can take various configurations or shapes without departing from the gist of the present invention.

10 ATM
DESCRIPTION OF SYMBOLS 11 Card entry / exit 12 Passbook entry / exit 13 Banknote entry / exit 14 Coin entry / exit 15 User operation part 16 Speaker 20 ATM control unit 21 Internal memory 22 Memory | storage part 23 Card processing unit 24 Passbook processing unit 25 Bill processing unit 26 Coin processing unit 27 Display Unit 28 Audio output unit 29 Communication unit 30 Network 40 Host computer 31 Transaction history acquisition unit 32 Judgment unit 33 Message output unit

Claims (4)

Automatic transaction equipment,
A transaction history acquisition unit for acquiring transaction history information in which transaction store information for identifying a store that has executed transaction processing in the past and the number of transactions of the transaction processing are associated with each other from the medium used in the transaction processing;
Based on the transaction history information acquired by the transaction history acquisition unit, the number of transactions associated with the transaction store information that is the same store as the current store information that identifies the store where the automatic transaction apparatus is installed is predetermined. A determination unit for determining whether the number is less than the number of times;
A message output unit for outputting a warning message when the number of transactions is determined to be less than the predetermined number by the determination unit;
An automatic transaction apparatus comprising:   The automatic transaction apparatus according to claim 1, wherein the message output unit outputs a message having a different content depending on a level recorded in advance on the medium. The medium is a cash card issued by a financial institution,
The current store information is other than the store that issued the cash card,
The automatic transaction apparatus according to claim 1 or 2. An alerting method executed in an automatic transaction apparatus,
Obtaining transaction history information in which transaction store information for identifying a store that has executed transaction processing in the past and the number of transactions of the transaction processing are associated with each other from the medium used in the transaction processing,
Whether the number of transactions associated with the transaction store information that is the same store as the current store information identifying the store where the automatic transaction apparatus is installed is less than a predetermined number based on the acquired transaction history information Judging
When it is determined that the number of transactions is less than the predetermined number, a message for alerting is output.
An alert method characterized by that.

Images